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House insurance buzz 06-30-2006
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Posted by buzz on June 30, 2006, 12:44 am
I was tremendously disorganized and I guess depressed for a while and
I let my home insurance lapse, for several years now.

One company said they wouldn't sell me any becuase I didn't have any.
They consider those who let their insurance lapse to be a risk.

If I find a place with lower standards, will they insist on inspecting
my house? It's safe enough, but an incredible mess.

I want to clean up, and I will, but I need insurance now.

Any recommendations of what to do or what insurance company to call?


I live alone. Things piled everywhere, the middle of the living room,
the family room, and the bedrooms are full, and the sofas and spare
beds are loaded with stuff, the right half of the stairs is full of
stuff to go up or downstairs but there is no way to take the stuff to
the next floor until things there are put away, unwashed dishes, tv's
and stereos I intend to fix stacked up 2 tv's high.

I live alone, and don't even have company because I"m embarrassed. No
one to start a fire but me, and I won't.

The front sidewalk where the mailman has to come is has a little
unevenness where one sqare is a half-inch lower than the next, but the
bushes keep him from walking on that part. The bushes cover half the
width of the sidewalk for 8 feet. Is that a problem> There's enough
room for one person but not two side-by-side. (I want to trim them,
but I want to go to a garden shop for advice on how to do a nice job.)

The area 4 inches around the furnace is clean. No flammables except
properly closed cans of turpentine, alcohol, and aerosol cans.

The broiler pan in the stove has grease in the bottom and could use
cleaning.

The rear deck is crumbling and I was going to put in a nice larger
one. But I could repair this one in 4 hours if there will be an
inspection.


Posted by Rudy on June 30, 2006, 2:49 am
>I was tremendously disorganized and I guess depressed for a while and
> I let my home insurance lapse, for several years now.

Hell, burn it down and start from scratch



Posted by Joseph Meehan on June 30, 2006, 7:53 am
buzz wrote:
> I was tremendously disorganized and I guess depressed for a while and
> I let my home insurance lapse, for several years now.
>
> One company said they wouldn't sell me any becuase I didn't have any.
> They consider those who let their insurance lapse to be a risk.
>
> If I find a place with lower standards, will they insist on inspecting
> my house? It's safe enough, but an incredible mess.
>
> I want to clean up, and I will, but I need insurance now.
>
> Any recommendations of what to do or what insurance company to call?
>
>
> I live alone. Things piled everywhere, the middle of the living room,
> the family room, and the bedrooms are full, and the sofas and spare
> beds are loaded with stuff, the right half of the stairs is full of
> stuff to go up or downstairs but there is no way to take the stuff to
> the next floor until things there are put away, unwashed dishes, tv's
> and stereos I intend to fix stacked up 2 tv's high.
>
> I live alone, and don't even have company because I"m embarrassed. No
> one to start a fire but me, and I won't.
>
> The front sidewalk where the mailman has to come is has a little
> unevenness where one sqare is a half-inch lower than the next, but the
> bushes keep him from walking on that part. The bushes cover half the
> width of the sidewalk for 8 feet. Is that a problem> There's enough
> room for one person but not two side-by-side. (I want to trim them,
> but I want to go to a garden shop for advice on how to do a nice job.)
>
> The area 4 inches around the furnace is clean. No flammables except
> properly closed cans of turpentine, alcohol, and aerosol cans.
>
> The broiler pan in the stove has grease in the bottom and could use
> cleaning.
>
> The rear deck is crumbling and I was going to put in a nice larger
> one. But I could repair this one in 4 hours if there will be an
> inspection.

I am at a loss of how to take this one. Is it a troll or is it for
real. I have known several cases that come close to fitting this case, but
there are just a few things that seem to scream troll like "The area 4
inches around the furnace is clean. No flammables except properly closed
cans of turpentine, alcohol, and aerosol cans."

In the event you are for real, start today and pick a small area or
project. Something that you can complete today and take care of it.
Tomorrow take on a little larger project and keep going. Consider
contacting family or friends to help out. I suspect they will be happy to
help. If you are a senior citizen call the local senior center and see if
they have help available. Get you mind into the right mode. Consider if
you really need some of those things that you have been saving, especially
those that need fixing. Likely you will never ever need or want them, they
have been replaced by better.


--
Joseph Meehan

Dia duit



Posted by J. Clarke on June 30, 2006, 8:17 am
buzz wrote:

> I was tremendously disorganized and I guess depressed for a while and
> I let my home insurance lapse, for several years now.
>
> One company said they wouldn't sell me any becuase I didn't have any.
> They consider those who let their insurance lapse to be a risk.
>
> If I find a place with lower standards, will they insist on inspecting
> my house? It's safe enough, but an incredible mess.
>
> I want to clean up, and I will, but I need insurance now.
>
> Any recommendations of what to do or what insurance company to call?
>
>
> I live alone. Things piled everywhere, the middle of the living room,
> the family room, and the bedrooms are full, and the sofas and spare
> beds are loaded with stuff, the right half of the stairs is full of
> stuff to go up or downstairs but there is no way to take the stuff to
> the next floor until things there are put away, unwashed dishes, tv's
> and stereos I intend to fix stacked up 2 tv's high.
>
> I live alone, and don't even have company because I"m embarrassed. No
> one to start a fire but me, and I won't.
>
> The front sidewalk where the mailman has to come is has a little
> unevenness where one sqare is a half-inch lower than the next, but the
> bushes keep him from walking on that part. The bushes cover half the
> width of the sidewalk for 8 feet. Is that a problem> There's enough
> room for one person but not two side-by-side. (I want to trim them,
> but I want to go to a garden shop for advice on how to do a nice job.)
>
> The area 4 inches around the furnace is clean. No flammables except
> properly closed cans of turpentine, alcohol, and aerosol cans.
>
> The broiler pan in the stove has grease in the bottom and could use
> cleaning.
>
> The rear deck is crumbling and I was going to put in a nice larger
> one. But I could repair this one in 4 hours if there will be an
> inspection.

Get a copy of "Sidetracked Home Executives"
<http://www.amazon.com/gp/product/0446677671/sr=8-1/qid=1151669752/ref=pd_bbs_1/104-7426795-9151122?ie=UTF8>
and do _exactly_ what it says. Also see a psychiatrist--you may have
problems that meds can help.

--
--John
to email, dial "usenet" and validate
(was jclarke at eye bee em dot net)

Posted by Jim Redelfs on June 30, 2006, 8:34 am
wrote:

> I was tremendously disorganized and I guess depressed for a while
> and I let my home insurance lapse, for several years now. One company
> said they wouldn't sell me any becuase I didn't have any. They consider
> those who let their insurance lapse to be a risk.
>
> If I find a place with lower standards, will they insist on inspecting
> my house? It's safe enough, but an incredible mess. I want to clean
> up, and I will, but I need insurance now.
>
> Any recommendations of what to do or what insurance company to call?
>
> I live alone. Things piled everywhere, the middle of the living room,
> the family room, and the bedrooms are full, and the sofas and spare
> beds are loaded with stuff, the right half of the stairs is full of
> stuff to go up or downstairs but there is no way to take the stuff to
> the next floor until things there are put away, unwashed dishes, tv's
> and stereos I intend to fix stacked up 2 tv's high.

You, kind sir, are my late uncle reincarnate. He lived alone in a smaller
home quite literally full to the rafters with stuff. Not garbage or filth -
that went out on the curb every Friday - but he kept literally EVERYTHING
else. When the gentleman died, his estate removed 30,000 books and cancelled
84 magazine subscriptions including "Flying" and "Parents" - he was a lifelong
bachelor with no children and didn't even have a drivers license, much less a
pilot license. The company that cleaned out the house filled and emptied a 40
cu. yd. yard roll-off dumpster (the biggest they have that you usually see
behind large shopping malls) SIX TIMES. The house had deteriorated
substantially but was still liveable.

He, too, let his house insurance lapse.

The VERY FIRST thing the executor did was to get insurance on the house. They
insured the place AS IS.

Call a company every day or so until you get the coverage you need. They are
regulated by your state so there shouldn't be much difference for basic
coverage.

If they must inspect the place, and they probably do, let 'em. So what if
it's a mess? It's YOUR house, it's YOUR life and you're hurting NO ONE else.

Obviously, Uncle Bob had problems (depression among them), but he was a good
man and gentleman in every respect. The issue(s) that caused your situation
are beyond the scope of a home repair newsgroup, but give yourself credit for
posting.

Get the insurance and let 'em inspect the place. A little embarrassment is a
small price to pay for protection of something of considerable value.

Good luck!
--
:)
JR

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